Wouldn’t the DC to DC shut down if the source dropped below 13.1 v
What I’m thinking is would the DC to DC run at full capacity if it saw a charging voltage irrespective of the charging current. So a low charging current of 10 amps could cause the golf cart battery to drain if the DC was pulling 40 amps..
If this is the case then the solar panel should be charging the Li battery directly not via to golf carts battery and DC to DC charger